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• Interest Options
• Decision Guide
• Value to You
• Q&A

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Decision Guide

To assist you in your purchase decision, or simply answer your questions, please call the toll-free number (1-800-963-1749) dedicated to the ELM^sm Index Annuity. A qualified customer service representative of Nationwide® will assist you.

Additional information about the ELM Index Annuity, including current rates and availability by state, is also available at www.nationwide-elm.com.

You set the agenda for the call.

To help ensure a productive experience, please consider the items below before you place the call.

All phone discussions are confidential. The information you provide is used to help determine the suitability of the contract and, if you like, to complete an application that will be sent to you for review and signature. You are under no obligation until you sign and return an application with your premium.

Some questions to help determine whether the product may be suitable for you

• Financial Objective: What is your objective for this purchase? (Is it conservative growth, capital preservation, death benefit, income, tax deferral, etc.?)
• Financial Experience: Your experience purchasing financial products (including CD’s, fixed annuities, variable annuities, stocks, bonds, mutual funds, etc.).
• Liquidity Needs: Access to other assets and review of early withdrawal fees.
• Your overall risk tolerance (Are you an aggressive, moderate or conservative investor?)
• General description of your net worth and annual income.

Questions relating to purchasing the ELM Index Annuity — Basic information

• Full name of the contract owner(s)
• Gender(s)
• Date(s) of Birth
• Beneficiary information
• Mailing address

Questions relating to purchasing the ELM Index Annuity — Product choices

• How much premium will you deposit into the contract at this time?
• What are your initial choices with respect to the interest rate option?
  • % of the premium to be placed in the Index Cap Option
  • % of the premium to be placed in the Index Participation Option
  • % of the premium to be placed in the Fixed Account Option

» Continue to “Value to You” Section